Healthcare cover for expatriate families
Your cover is also subject to:
- Policy definitions and exclusions
- Any special conditions shown on your Insurance Certificate (and on the Special Condition Form issued before the policy comes into effect, where relevant).
- Any policy endorsements, policy terms and conditions and any other legal requirements.
- Costs being reasonable and customary in accordance with country of treatment, standard and generally accepted medical procedures.
If we consider a claim to be inappropriate, we reserve the right to decline or reduce the amount we pay.
Sanctions suspension clause:
Any benefits, cover, and claims payments are suspended if any element of the cover, benefit, activity, business, or underlying business exposes us to:
- any applicable sanction, prohibition or restriction under the United Nations’ resolutions, or
- the trade or economic sanctions, laws or regulations of Canada, the European Union, United Kingdom, or United States of America.
The above suspension will continue until such time as we are no longer exposed to any such sanction, prohibition, or restriction.
Please check your Insurance Certificate, Benefit Guide and Table of Benefits to find out more.
The expatriate health insurance
cover includes

Doctor visits

Hospitalization

Vaccinations

Surgeries

Diagnostic tests

Prescription drugs

Cancer treatment

Option to add a repatriation plan
Health Services
included with your cover
You have access to a range of services gathered in one convenient hub to help protect you and your family from preventable health risks. Our services include Telehealth, Expat assistance programme, Mind coaching app, Fitness coaching App, Nutrition Hub, Travel Security and more
Care International Health Insurance Plans at a Glance
Step 1:
Step 2:
Step 3:
Care
Pro Plan
US$5,000,000/CHF4,814,815
Private room | ✓ |
Diagnostic tests |
✓ |
Oncology |
✓ |
Rehabilitation treatment |
£3,670/€4,420 US$5,970/CHF5,750 |
Emergency out-patient treatment |
£625/€750 US$1,015/CHF975 |
Emergency out-patient dental treatment |
£625/€750/ US$1,015/CHF975 |
Maternity plan option available |
✓ |
In-patient, day-care and out-patient treatment; must commence within 14 days of discharge after the acute medical and/or surgical treatment ceases
Care
Plus Plan
Private room | ✓ |
Diagnostic tests |
✓ |
Oncology |
✓ |
Rehabilitation treatment |
£2,075/€2,500/ US$3,375/CHF3,250 |
Emergency out-patient treatment |
£625/€750 S$1,015/CHF975 |
Emergency out-patient dental treatment |
£246/€296/ US$400/CHF385 |
Maternity plan option available |
✓ |
Care
Plan
US$2,500,000/CHF2,407,400
Semi-private room | ✓ |
Diagnostic tests |
✓ |
Oncology |
✓ |
Rehabilitation treatment |
£1,660/€2,000 /US$2,700/CHF2,600 |
Emergency out-patient treatment |
£208/€250/ US$ 338/CHF325 |
Emergency out-patient dental treatment |
X |
Maternity plan option available |
X |
Enhance Your Cover with Optional Plans
Out-patient plan
Repatriation plan
Dental plan
Maternity plan
Planning to start a family or extend it?
Get your expat health cover in a few simple steps
Getting your policy is much easier and faster when you choose our Moratorium underwriting option. There are no medical questionnaires to complete. It’s hassle free.
Ready to get your cover?
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Frequently Asked Questions
In which countries can I receive treatment with family health insurance?
Your family are covered for medical insurance and treatment in any country within your area of cover, as shown in your Insurance Certificate.
If the treatment you need is available locally but you choose to travel to another country in your area of cover, we will reimburse all eligible medical costs incurred within the terms of your policy; except for your travel expenses.
If the eligible treatment is not available locally, and your cover includes “Medical evacuation”, we will also cover travel costs to the nearest suitable medical facility. To claim for medical and travel expenses incurred in these circumstances, you will need to complete and submit the Pre-authorisation Form before travelling.
You are covered for eligible costs incurred in your home country, provided that your home country is in your area of cover.
Does Internatinal Health Insurance cover pre-existing conditions?
- For policies which were fully medically underwritten, pre-existing conditions are generally covered unless we say otherwise in your policy documents.
- For policies with moratorium, pre-existing conditions are only eligible for coverage once you’ve completed a continuous 24-month period after your start date and have not had symptoms, needed or received treatment, medication, a special diet or advice, or had any other indications of the condition during that time.
I want to sign up for a family healthcare plan. Can I purchase a different level of cover for me and my dependents?

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Awards and Recognition

ITIJ Award Winner
International Travel and Health Insurer of the Year.

EFMA & Accenture Innovation in Insurance Awards Win
EFMA & Accenture Innovation in Insurance Awards 2022.

UK Health & Protection Award Win
Best International Group Health Insurance Provider 2023.